Which SIP calculator should I use first?

Start with the SIP Calculator if you know your monthly investment amount. Use Goal SIP if you know the target amount, Step-Up SIP if you plan to increase SIP every year, and Cost of Delay SIP if you want to compare starting now versus starting later.

Is 12% SIP return guaranteed?

No. Any expected annual return entered in a SIP calculator is only an assumption. Actual mutual fund returns can vary due to market conditions, fund performance, costs, taxes, exit loads, and missed installments.

How is SIP future value calculated?

SIP future value uses monthly rate = annual return / 12 / 100 and total months = years x 12. Future value is P x [((1 + r)^n - 1) / r] x (1 + r), where P is monthly SIP, r is monthly rate, and n is total months.

What is cost of delay in SIP?

Cost of delay compares the estimated corpus from starting SIP now with the estimated corpus from starting later. The gap includes missed installments and lost compounding time.

SIP calculators India

SIP Calculators for Monthly Investing, Goals, and Delay Cost

Estimate fixed SIP future value, required SIP for a target amount, step-up SIP growth, SIP vs lumpsum outcomes, and the cost of starting late. All results are planning estimates based on your assumptions.

Start SIP Calculator Check SIP delay cost

Choose the Right SIP Tool

Use the tool that matches the question you are trying to answer.

SIP

SIP Calculator

Use a SIP calculator for monthly investment future value, expected annual return, and duration.

Best for: A single fixed monthly SIP estimate.

GOAL

Goal SIP Calculator

Work backwards from a target amount like Rs 1 crore and estimate the required monthly SIP.

Best for: Finding how much to invest every month for a goal.

STEP

Step-Up SIP Calculator

Estimate step-up SIP maturity amount when the monthly SIP increases every year with salary growth.

Best for: Testing 5%, 10%, or 15% yearly SIP increases.

WAIT

Cost of Delay SIP Calculator

Calculate the cost of delaying SIP by comparing starting now versus starting later.

Best for: Seeing what a 1, 3, or 5 year delay may cost.

A/B

SIP vs Lumpsum Calculator

Compare SIP vs lumpsum investment growth over the same duration.

Best for: Choosing between staggered investing and upfront investing.

SIP Comparison Calculator

Compare up to three SIP investment scenarios side by side by amount, return, and duration.

Best for: Testing multiple SIP paths in one view.

SIP Formula and Assumptions

These tools use simplified monthly compounding assumptions. Real investment results can be different.

Monthly rate

Annual return / 12 / 100

Total months

Duration in years x 12

Future value

P x [((1 + r)^n - 1) / r] x (1 + r)

Popular SIP Guides

Rs 5,000 SIP for 20 years

See how monthly SIP amount, expected return, and duration affect future value.

Rs 1 crore goal SIP

Estimate the monthly SIP needed for a target amount using goal-based planning.

Cost of delaying SIP

Understand how starting late can reduce invested amount and compounding time.

Hindi SIP Guides

Prefer simple Hindi explainers? These guides link back to the same calculators.

SIP Calculator in Hindi SIP vs Lumpsum in Hindi SIP Delay Cost in Hindi

View SIP delay web story

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Disclaimer

SIP calculator results are estimates for general informational and educational purposes only. They do not constitute investment, tax, legal, accounting, or financial advice. Mutual fund and market-linked returns are not guaranteed.